Keythos was founded by a mortgage professional who got tired of watching hours disappear to manual income calculations. So we automated it — and we're just getting started.
Income calculation errors don't just slow deals down — they cost lenders real money. Buybacks triggered by miscalculated qualifying income represent one of the most preventable and expensive risks in mortgage lending. A single error can unwind a closed loan, damage lender relationships, and set off a chain of compliance headaches that nobody has time for.
For loan officers and underwriters, the problem compounds daily. Hours spent manually working through complex business tax returns. Back-and-forth arguments between originators and underwriters over figures that should never be in dispute. Talented people burning time on calculations instead of building relationships and closing loans.
For lenders, the cost is even bigger than it looks. Every hour an underwriter spends untangling a manual income calculation is an hour not spent on the next file. Scaling a lending operation without solving this problem means hiring more people to do more manual work — an expensive ceiling that limits growth.
Keythos was built to break through that ceiling. By automating income analysis with AI, we eliminate the errors, reduce the back-and-forth, protect lenders from buyback exposure, and free your entire team — loan officers, underwriters, and processors — to focus on what actually moves the needle.
"When income calculations are accurate, documented, and done in minutes — loan officers close more loans, underwriters approve with confidence, and lenders scale without adding headcount."— Jason Quinney, Founder & CEO, Keythos
Every product decision, every line of code, and every feature we ship is guided by these principles.
Income calculations have real consequences for real borrowers. We build every feature to be provably correct before it's fast or convenient.
Every calculation follows published lending guidelines. Our reports are designed to stand up to underwriter scrutiny every time.
From a single loan officer to a national lender — Keythos is architected from day one to handle enterprise volume without sacrificing accuracy.
We build with mortgage professionals, not just for them. Real feedback from real loan officers shapes every feature we ship.
Tax returns contain sensitive financial data. Encrypted at rest, encrypted in transit, and never shared or used beyond your analysis.
We're committed to staying ahead — expanding to every form of tax return analysis, every loan type, and every workflow that can be improved.
With over 20 years in the mortgage industry, Jason Quinney has spent his career doing what the best loan officers do — building relationships, solving complex problems, and finding a way to close. He's worked residential and commercial deals, led production teams, and originated across conventional, FHA, VA, and commercial products. He knows the grind intimately.
He also knows the frustration. Years of arguing with underwriters over income calculations that should never have been in dispute. Watching deals stall — or worse, fall apart — because of a miscalculated figure on a business tax return. Seeing talented loan officers lose confidence on complex self-employed files, and lenders absorb costly buybacks from errors that technology should have prevented a decade ago.
That frustration became a mission. Jason founded Keythos on a simple but powerful idea: take every quality that makes an exceptional loan officer exceptional — deep income knowledge, sharp marketing instincts, strong client communication, mastery of guidelines — and make those qualities accessible to every mortgage professional on the platform.
QualifyIQ gives loan officers who struggle with complex income the precision of someone who's lived it for 20 years. The Marketing Suite and CRM give originators who aren't natural marketers the tools to stay in front of clients like the top producers do. Keythos doesn't replace the loan officer — it takes the average to good, and the good to great.
Jason built the company he wished had existed at the start of his career — and he's building it for everyone still in the trenches.
QualifyIQ is now in beta. Here's what's coming next on the Keythos platform.
AI-powered income analysis from business tax returns — now in beta. Upload PDFs and get a complete, compliant income calculation in minutes.
Expanding income analysis to cover all personal and business tax return types — every borrower income scenario in one platform.
Encrypted document storage with borrower-controlled, time-limited access for loan officers.
Mortgage-first CRM with AI-powered marketing automation, pipeline management, and referral partner tracking.
Streamlined point-of-sale loan application platform with direct integration into major loan origination systems.
Join mortgage professionals already saving hours every week on income analysis.
Launch QualifyIQ Free →